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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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Comments

  • MrsLottie
    MrsLottie Posts: 128 Forumite
    Great feedback - bet you’re really pleased with that ! A good result from your hard work .
  • taka wrote: »
    :T:TWell done! :T:T Sounds like you are doing well!
    teafor2 wrote: »
    Well done on the assignment feedback and also the classroom feedback HHD. :T The time flies by, could have sworn it was only a couple of weeks ago you were talking about handing your last one in. :eek xx
    MrsLottie wrote: »
    Great feedback - bet you’re really pleased with that ! A good result from your hard work .

    Thanks all of you :). I am pleased.

    I've worked really hard for years whilst self-employed and often had no reward, so it was was very soul destroying and unempowering :(.

    Now I'm still working hard but I'm getting paid in money (from my job) and in credits (from my course) so it's much more rewarding :T.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • beanielou
    beanielou Posts: 96,836 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fantastic feedback :j :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Thanks all of you :). I am pleased.

    I've worked really hard for years whilst self-employed and often had no reward, so it was was very soul destroying and unempowering :(.

    Now I'm still working hard but I'm getting paid in money (from my job) and in credits (from my course) so it's much more rewarding :T.

    This is so positive and lovely to read! :T well done!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • beanielou wrote: »
    Fantastic feedback :j :j

    Thanks Beanie :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • earthgirl wrote: »
    This is so positive and lovely to read! :T well done!

    Thanks Earthgirl :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • tantaraza
    tantaraza Posts: 72 Forumite
    Great news on the assignment!! :j I’m so, so pleased that you’re feeling happier, the tone of your posts has changed and you seem to be much more confident than you were at the beginning of your diary. You’ve achieved so much and have shown such strength and resilience and I’m confident you’ll finish this course with top marks. :T

    As someone who’s also been looking at various non-cooker ovens recently, one of my concerns is that you’re cooking for 3 adults at minimum and 4/5 when DS2 and DS3 are home and not off on their travels/at uni, which might make some meals difficult to cook, especially with family-size dishes or occasions when you might have to cook two meals concurrently.

    My suggestion — and you’re free to ignore me :p — would be to replace your oven (as it’s electric, the installation cost would be a lot cheaper than gas, and from the sound of it, your hob and oven are separate units so the hob shouldn’t need moving/replacing if you don’t want to) and buy a smaller combi microwave oven, one of the more basic ones that you don’t need to worry about space for, for little things like chip butties as another poster commented. If you go with the new oven that was linked in the last page (without installation) and bought a very basic combi microwave oven for £50, it would come under £200 for both. You’d get all the benefit of the combi oven’s convenience for small bits while still being able to cook larger/multiple meals for your family in the “normal” oven.

    That’s simply my humble opinion though so do ignore me if you feel differently. :o
  • Thank you Tantaraza :). I think this job and course are making me feel happier and more confident :).

    I think that having both a working main oven and a combi microwave would be useful, even if we don't get them both at once. My main concern is DS3 when he comes home from uni as the the rest of us are more adaptable and less bothered about what we eat. So anything that means DS3 can cook his sausage rolls, etc, will be good for the short term. Longer term I think both would be very useful :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 22,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great feedback :T :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • I've just looked at my online portfolio for college and my tutor has read my assignment already and given me feedback. She said "Another excellent assignment... well done. This unit is complete".

    There was also feedback on my school assessment and she said I'd worked well with the children and other staff, and had a good knowledge of the classroom displays.

    So I'm pleased with that :D :T.

    Well done you! I love a nice little boost like that, makes things seem that much more worthwhile.

    Have a great day today xx
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